HDFC bank offers a varied range of credit cards that are each loaded with unique features and benefits. While some are well-suited for shopaholics, others provide exclusive travel privileges and rewards. At Paisabazaar.com, you can find the best HDFC Credit Card that matches your needs. Choose from a variety of credit cards by HDFC, compare and apply online without any hassle. Get a bunch of discount offers as a welcome benefit.

Shopping Credit Cards by HDFC Bank

HDFC Regalia Credit Card makes you a part of HDFC’s Elite Circle which gives you great saving opportunity along with world-class privileges. This card is best suited for frequent travellers as well as the shopaholics. Although it attracts an annual fee of Rs.2,500, the benefits that it entails are aplenty. Given below are some such features-

Reward Points – Accelerate your reward point earnings 5-times when you make PayZapp transactions. Get additional 10% cash back on mobile recharges made through PayZapp. You can also redeem your rewards against exciting merchandise and gift vouchers. (1 reward point = Re.0.75)

Dining Discounts – You can enjoy up to 15% discount at select partner restaurants including some 5-star outlets.

Zomato Gold Membership – Enjoy complimentary Zomato Gold Membership for a year with this credit card.

Convenience Fee Waiver – 1% convenience fee waiver on all fuel transactions. Waiver on the convenience fee is applicable for fuel transactions made between Rs.400 to Rs.5000 with Rs.500 being the maximum waiver per statement cycle.

This HDFC Credit Card can be your first step towards a luxurious lifestyle. Designed to match your shopping and travel needs, this card also makes you a part of HDFC’s Elite Circle. You get to enjoy exclusive privileges and save big on every transaction. These are some of the great features which make this card a great addition to your wallet-

Reward Points – Accumulate rewards at the rate of 4 reward points for every Rs.150 spent. Redeem the reward points for free air tickets and other gifts and merchandise (1 reward point = Re. 0.75) Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Dining Discounts – You can enjoy up to 15% discount at select partner restaurants including some 5-star outlets.

Convenience Fee Waiver – Get fuel surcharge waiver when you use your Regalia First Card for fuel purchase.

Travel Credit Cards by HDFC

Launched in collaboration with Jet Airways, this HDFC credit card is best suited for frequent travellers. The card attracts an annual fee of Rs.2,500 and gives numerous benefits to its users. You can save on flight bookings and enjoy exclusive privileges. Some of its features include-

Earn Air Miles – Earn 6 JP Miles on every Rs.150 spent. You can also earn 18 JP Miles for every Rs.150 when you use this card to make flight bookings on Jet Airways website.

Reward Points – Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Travel Benefits – Get complimentary access to over 600 airport lounges across the world along with premier check in for all domestic flights of JetAirways. Enjoy savings on the flight bookings made on the Jet Airways website for one time.

Another one co-branded with Jet Airways, HDFC credit card offers its users a multitude of travel benefits and privileges. This is an elite credit card and attracts an annual fee of Rs. 5,000 while the one-time joining fee is Rs.10,000. Given below are some features of this card-

Joining/Renewal Benefits – Get 10,000 bonus JP Miles as joining benefit and avail 4000 JP Miles on first swipe within 90 days of the card renewal date

Earn Air Miles – Earn 6 JP Miles on every Rs.150 spent. You can also earn 18 JP Miles for every Rs.150 when you use this card to make flight bookings on Jet Airways website.

Reward Points – Get 5X Reward Points on all PayZapp transactions & Additional 10% Cash Back on all recharges through PayZapp.

Travel Benefits – Get complimentary access to over 600 airport lounges across the world along with premier check in for all domestic flights of JetAirways. Enjoy savings on the flight bookings made on the Jet Airways website for one time.

Add-on card – Avail up to 3 add-on cards on your primary credit card.

Cashback Credit Cards by HDFC

For those who wish to earn cashback for all their purchases, HDFC Moneyback Credit Card and HDFC Freedom Credit Card are the best.

This HDFC credit card is good for everyday shopping as it gives cashback. It attracts an annual fee of Rs.500 only which is waived off on spending Rs.50,000 in the preceding year. You can also earn rewards which will be valid for 2 years from the date of accumulation. Given below are some of its features-

Fuel Surcharge Waiver – Enjoy 1% fuel surcharge waiver across all fuel stations in the country subject to a maximum waiver of Rs.250 per statement.

Lost Card Liability Cover – Get benefit of zero lost card liability when you report the loss of credit card immediately. You will not be liable for the fraudulent transactions made on the card after reporting of loss.

As the name suggests, this HDFC credit card gives you the freedom to spend more and at the same time get some value back. This card comes with a minimal fee of Rs. 500 a year and can be a great addition to your wallet. Here are some of its benefits-

Reward Points – Earn 1 reward point for every Rs.150 spent across all categories. You can also earn 10X reward points on PayZapp & SmartBuy spends.

This card is again a great addition to frequent flyer’s wallets. It lets you elevate your travel experience and at the same time offers a whole new world of privileges and benefits, all for an annual fee of just Rs.1,000. Let’s talk about some of its key features-

Reward Points – Earn 4 reward points for every Rs.150 spent across all categories. Redeem reward points for booking air tickets or hotels with international and domestic airline and leading hotel chains. (1 reward point = Re.0.50)

Exclusive Lounge Program – Be a part of the Exclusive Lounge Program and get access to leading lounges across the world. Get up to 6 Complimentary accesses to 25+ Domestic Lounges and 700+ International Lounges.

Dining Discounts – Enjoy 15% discounts at some of the finest restaurants in the country along with Diners Club Privileges in over 70 different countries.

This Diner’s Club credit card by HDFC lets you earn several benefits and privileges every time you use the card to make transactions. The annual fee on this credit card is Rs.1,000 which will be reversed if you spend Rs.1 Lakh in a year. Some exciting benefits of this credit card include-

Welcome Benefits – Get 500 bonus Reward Points on the first International transaction.

Milestone Benefits –Avail Rs.2000 voucher from Yatra on spending Rs. 1, 50,000/- in a year

Reward Points – Earn 3 reward points for every Rs.150 spent on retail. Redeem Reward Point for Air Miles across Jet Airways (JPMiles) or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 Air Mile)

Travel benefits – You can book hotel and airline tickets with over 150 Airlines and hotel chains for best traveling deals

Every time you use your HDFC card, reward points will be credited to your account. The number of reward points you earn will vary depending on the type of credit card you have and also on the spending patterns on the card. Once you have accumulated enough reward points in your credit card account, you can redeem them against a multitude of gift vouchers and merchandise.

Credit Card

Reward Points

Accelerated Rewards

HDFC Regalia Credit Card

4 Reward Points per Rs.150

9 Club Vistara(CV) points for every Rs.100 spent on All Vistara Flights

You can compare different credit cards by HDFC Bank and apply for them directly through our website. Just enter your basic details to check the eligibility for different credit cards. Once you find that you are eligible, you can apply online directly.

Follow the steps given below to apply for HDFC Credit Card.

Step 1-Click here to start the application process.Step 2- Enter your basic details like occupation, monthly income, residence pin code and contact number. You will now see a list of different credit cards.Step 3- Find your preferred HDFC credit card and check your eligibility for the same by entering some more information.Step 4- If you are eligible, you can complete the online application.

After this, the bank will give you a call and a field officer will collect the documents at your doorstep.Once approved, the credit card will reach you within a week. You can also apply for HDFC credit cards online directly through their website or by visiting the nearest branch of HDFC Bank.

What are the eligibility criteria to apply for HDFC Regalia Credit Card?

For Salaried Individuals, you need to be in the age bracket of 21 to 60 years with Gross monthly income more than Rs.1.2 Lakh and for Self Employed individuals, you should be in the age bracket of 21-65 years with Gross monthly income more than Rs.12 Lakh per annum

What should be done in case the credit card is stolen or lost?

In such a situation, you can contact the customer care executive of HDFC Bank at (prefix STD Code): 6160-61616. The bank executives will then guide you with the steps that need to be followed.

Why did my credit card application get rejected?

There are different reasons based on which the bank or the financial institution can reject or hold your credit card application. Some of the reasons can include low CIBIL Score or not meeting the eligibility requirement as set by the bank. The best option in this scenario would be to contact the bank executives and they shall provide you with an appropriate reason for rejection.

My address has been changed recently. How can I change it in the credit card?

You can get your address changed by visiting your nearest HDFC Bank branch or by Internet Banking. Once you login through internet banking, there will be an option of Update Address on the top right.

6th March 2019
HDFC will increase the late fees on its credit cards and it will come into effect from 1st April 2019. The cardholders should pay the minimum amount due by the due date to avoid late payment fee. The table given below shows the revised late fees on HDFC credit cards.

14th May 2018
HDFC Bank, the largest issuer of credit cards in India, is looking forward to double the penetration of credit cards in its customer base over a period of three years. It currently has a customer base of 42 million and credit cards make 25 percent of it and the bank is planning to grow this number of 50 percent over the next three years. The bank is taking this step because it sees an improvement in the cross-selling opportunities in its existing customer base. HDFC is also taking several steps in the merchant acquisition front.

Credit Card Customer Base of HDFC Bank crosses 1 Crore Mark

02nd Feb 2018
HDFC has just made a new record by reaching a credit card customer base of more than 1 Crore. According to the data furnished by RBI, the total number of HDFC’s credit card customers is 1.02 Crore which is equal to 28.68 percent of the total credit card customer base in the country. SBI and ICICI stand at second and third place with customer bases of 57.50 Lakhs and 47.26 Lakhs, respectively. Axis bank bags the fourth place with the total credit card customers being 41.45 Lakhs.

Snapdeal-HDFC Bank credit card crosses 1.5 lakh users

16th Jan 2018
Since the launch of its co-branded credit cards with Snapdeal, HDFC Bank has issued these cards to over 1.5 Lakh users. This is the only credit card so far that has been launched in collaboration with an e-commerce brand. The card has been offered to make purchases on Snapdeal more rewarding for the users as the buyers opt for online payment nowadays. Snapdeals claims that the number of its credit card payments has shot up by 1.5 times.

HDFC Bank issues 3 lakh instant credit cards

17th Dec 2017
HDFC Bank launched its InstaCard in January 2017 and within a course of about 1 year the bank has launched instant credit cards. These cards are delivered to the customers within an hour of applying for the credit card through net banking, provided that the applicant meets all eligibility criteria. The application process is also quick and easy. With the InstaCard, customers can make online transactions. Physical credit card is delivered to the customers within a few days.

HDFC Bank Uses Social Media Analytics and Purchase History to Determine Credit Card Eligibility for its Customers

07th Sep 2017
Due to increased opportunities in the credit card market and rising competition, HDFC is breaking the tradition of conservative credit card appraisal. Now the bank is looking forward to target first-time customers on the basis of their purchase history and digital footprints. Analytics and artificial intelligence helps in building a better profile for individuals who do not have any credit history. The bank is focusing on the millennial population ranging between 20 and 30 years of age.

HDFC Bank Launches Co-branded Credit Card with Times Internet

23rd Aug 2016
The largest player in the credit card market, HDFC Bank, has launched a card in partnership with Times Internet- a Bennett, Coleman and Co. On this credit card, users can earn Times Points under the online loyalty programme of Times Group. This loyalty program has 18 million user base. Users can earn points while surfing Times Internet website or by commenting on an article on any of these websites.

HDFC Bank to Increase Credit Card Issuance

12th May 2016
HDFC (Housing Development and Finance Corporation) Bank, one of the largest private sector banks in India, has voiced intentions to substantially expand its credit card customer base over the next year. With a view to increasing its share of the plastic money business, HDFC Bank plans to double the number of cards it issues every month to reach a figure of about 4 lakh new card issues every month..Read more